The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$27,993
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$28,863
−HK$885/mo
Today · 4.125%
HK$29,748
baseline
▲ 0.50% · 4.625%
HK$31,558
+HK$1,810/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$59,496/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,141
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$31,977
−HK$847/mo
Today · 4.125%
HK$32,824
baseline
▲ 0.50% · 4.625%
HK$34,554
+HK$1,730/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$65,648/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,591
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,636
−HK$1,061/mo
Today · 4.125%
HK$35,697
baseline
▲ 0.50% · 4.625%
HK$37,870
+HK$2,173/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$71,394/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,370
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,372
−HK$1,017/mo
Today · 4.125%
HK$39,389
baseline
▲ 0.50% · 4.625%
HK$41,465
+HK$2,076/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$78,778/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,190
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$40,409
−HK$1,238/mo
Today · 4.125%
HK$41,647
baseline
▲ 0.50% · 4.625%
HK$44,181
+HK$2,534/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$83,294/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,598
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$44,767
−HK$1,186/mo
Today · 4.125%
HK$45,953
baseline
▲ 0.50% · 4.625%
HK$48,376
+HK$2,423/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$91,906/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,387
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$51,954
−HK$1,592/mo
Today · 4.125%
HK$53,546
baseline
▲ 0.50% · 4.625%
HK$56,804
+HK$3,258/mo
Deposit HK$1.23M · loan HK$11.05M · min. income ≈ HK$107,092/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,055
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$57,558
−HK$1,525/mo
Today · 4.125%
HK$59,083
baseline
▲ 0.50% · 4.625%
HK$62,197
+HK$3,114/mo
Deposit HK$1.23M · loan HK$11.05M · min. income ≈ HK$118,166/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,352 · Scale 2, in force from 26 Feb 2026)